Your inputs
Your residual income
| Net monthly income | $0 |
|---|---|
| Minus PITI | $0 |
| Minus utility estimate (0.14% loan) | $0 |
| Minus other debts | $0 |
| Minus child care + other | $0 |
| Residual income | $0 |
| Required (West region, family size) | $0 |
Common questions
What is VA residual income?
Residual income is the cash a household has left each month after PITI, taxes, and recurring debts. VA publishes West-region tables that set a minimum by family size and loan amount, and Oregon falls in the West region.
Can residual income qualify me if my DTI is high?
Yes. VA weighs residual income alongside the 41% debt-to-income guideline, so a Veteran who passes the residual-income test can be approved even when DTI runs above 41%. This is a core reason VA approvals clear where conventional declines. Active-duty applicants also get to count housing allowance in that income; compare BAH across Oregon metros for the 2026 Portland figure.
Talk to an OR VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.
Authoritative source: VA's residual-income guidance.